What are the current interest rates at First National Bank of Middle Tennessee?

Current rates for First National Bank of Middle Tennessee include: MMA: 0.30%

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First National Bank of Middle Tennessee

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First National Bank of Middle Tennessee Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank of Middle Tennessee provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

First National Bank of Middle Tennessee's money market rates are at 0.30%. MonitorBankRates evaluates the financial stability of First National Bank of Middle Tennessee with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 08/28/2026.

First National Bank of Middle Tennessee money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank of Middle Tennessee? Share your experience about First National Bank of Middle Tennessee by leaving a review below, or read customer reviews before you decide to use First National Bank of Middle Tennessee.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

The First National Bank of Middle Tennessee

200 E Main St
Mcminnville, TN 37110

https://www.fnbmt.com

First National Bank of Middle Tennessee Money Market Rates

Product	Rate	APY
FiRST Money Market Tier	3.25%	3.30%
Min Deposit $2,500 Min Balance $1,000,001 Details Balances greater than $1MM earn an interest rate of 3.25% with an APY of 3.30%. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
FiRST Money Market Tier	2.75%	2.78%
Min Deposit $2,500 Min Balance $500,001 Details Balances of $500,001 - $1MM earn an interest rate of 2.75% with an APY of 2.78%. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
FiRST Money Market Tier	2.20%	2.22%
Min Deposit $2,500 Min Balance $250,001 Details Balances of $250,001 - $500,000 earn an interest rate of 2.20% with an APY of 2.22%. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
FiRST Money Market Tier	1.20%	1.21%
Min Deposit $2,500 Min Balance $100,001 Details Balances of $100,001 - $250,000 earn an interest rate of 1.20% with an APY of 1.21%. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
FiRST Money Market Tier	0.65%	0.65%
Min Deposit $2,500 Min Balance $50,001 Details Balances of $50,001 - $100,000 earn an interest rate of .65% with an APY of .65%. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
FiRST Money Market Tier	0.30%	0.30%
Min Deposit $2,500 Min Balance $0 Details Balances of $.01 - $50,000 earn an interest rate of .30% with an APY of .30%. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First National Bank of Middle Tennessee Checking Rates

Product	Rate	APY
Impact Interest Checking	3.00%	3.04%
Min Deposit $100 Details Qualifications Required: At least one Direct Deposit or authorize one automatic payment that posts and settles; Receive Electronic Statements (valid e-mail address is required); Make 15 debit card purchases that posts and settles (NOTE: ATM withdrawals & transfers between accounts with us do not qualify); Balances up to $20,000, average daily balance earns .20% interest rate / 3.04%-.77% APY** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Impact Interest Checking	0.20%	3.04%
Min Balance $20,000 Details Qualifications Required: At least one Direct Deposit or authorize one automatic payment that posts and settles; Receive Electronic Statements (valid e-mail address is required); Make 15 debit card purchases that posts and settles (NOTE: ATM withdrawals & transfers between accounts with us do not qualify); Balances greater than $20,000, average daily balance earns .20% interest rate / 3.04%-.77% APY** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Impact Interest Checking	0.10%	0.10%
Details If monthly qualifications are not met, interest earned will be .10% with .10% APY on all balances** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank of Middle Tennessee is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First National Bank of Middle Tennessee rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First National Bank of Middle Tennessee's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank of Middle Tennessee

Bank Holding Company FIRST MCMINNVILLE CORP

Address 200 E Main St, Mcminnville, TN 37110 · Warren

Website https://www.fnbmt.com

FDIC Certificate # 4952

Established 10/30/1874

FDIC Insurance Date 01/01/1934

Domestic Offices 11

Total Branches 11

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8345%

Return on Equity (ROE) 9.0500%

Non-Performing Loans (NPL) 0.00%

Total Assets $937,671,000

Total Deposits $827,760,000

Equity Capital $88,780,000

Net Income $7,107,000

Headquarters Mcminnville

Total Branches and Offices 11

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About First National Bank of Middle Tennessee

How many branches does First National Bank of Middle Tennessee operate?

First National Bank of Middle Tennessee currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First National Bank of Middle Tennessee does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank of Middle Tennessee provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank of Middle Tennessee offer online and mobile banking?

Most modern institutions like First National Bank of Middle Tennessee provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnbmt.com.